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ICICI Pru Diabetes Care Active offers you two optional rider benefits which provide you additional protection.
Diabetes Enhanced Benefit Rider (DEBR)
If you opt for this rider, you get an additional procedure based cover for
- LASER Treatment for Diabetic Retinopathy
- Limb Amputation
The benefit under this rider shall be payable only once and only upon the first ever occurrence of either of the above conditions. The benefit payable shall be 10% of the sum assured under this policy. After the payment of the benefit, the rider shall terminate but the base plan shall continue.
Time of diagnosis
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DEBR payout
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| First 6 months of the policy |
Return of the rider premiums paid till date and policy terminates |
| 6 - 12 months |
50% of the rider sum assured, which is 5% of the base plan sum assured is payable and rider shall terminate thereafter. |
| After 1 year |
100% of the rider sum assured, which is 10% of the base plan sum assured is payable and rider shall terminate thereafter. |
Death Benefit Rider
To provide complete protection to your family, we offer you the optional Death Benefit Rider (DBR) which pays out 100% of the applicable sum assured on death of the life assured.
Good control of your health (as indicated by a reduction in DCI) would entitle you to a reduction in your rider premiums as shown below.
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Reduction in DBR Premium |
| Premium Reduction Level 1 |
20% |
| Premium Reduction Level 2 |
30% |
However in case of poor control (as indicated by increase in DCI), you may be charged an additional rider premium as below :
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Increase in DBR Premium |
| Higher Premium Level 1 |
25% |
| Higher Premium Level 2 |
45% |
Note:
- Incase on Angioplasty claim under base Diabetes Care Active, the rider will continue for the 50% of the sum assured for the death benefit and future premiums will reduce proportionately from the next policy anniversary. The policyholder will continue to be eligible for the complete wellness programme and reduced premiums / higher premiums as applicable. However, subsequent premium reductions/ increase will apply to this reduced premium.
- The Sum assured will be payable on death any time during the policy term before of a Critical Illness payment.
- There is no Waiting period for death.
- The levels of premium reduction/ higher premium as explained above are annually reviewable subject to IRDA approval. The company will give notice in writing about the change to the policyholder. The policy shall lapse if the policyholder does not accept such changes.
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